| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $121K | $0 | $121K | 3.00% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | KAISER FOUNDATION HEALTH PLAN INC. | $73K | $0 | $73K | 2.74% |
| KUHN INSURANCE SERVICES, INC.3 | UNKNOWN OAKLAND, CA 94607 | DELTA DENTAL OF CALIFORNIA | $17K | $0 | $17K | 3.00% |
| KUHN INSURANCE SERVICES, INC.3 | UNKNOWN OAKLAND, CA 94607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.33% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | VISION SERVICE PLAN | $3K | $0 | $3K | 3.00% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $0 | $241 | 4.22% |
| PORTAL INSURANCE AGENCY, INC.3 | 1277 TREAT BOULEVARD SUITE 650 WALNUT CREEK, CA 94597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 1.05% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 418 | $6.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 964 | $567K |
| Vision | VISION SERVICE PLAN | 601 | $97K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 653 | $327K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 15 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 653 | $322K |
| Prescription drug(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 418 | $6.9M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 653 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.